Employee supplemental term life insurance is a type of life insurance coverage that employees can purchase in addition to the basic life insurance provided by their employer. It offers employees the opportunity to increase their life insurance coverage beyond the standard amount offered by the company. This supplemental coverage is typically portable, meaning that employees can retain the coverage even if they change jobs or retire. It often requires no medical underwriting up to a certain coverage amount, making it an attractive option for employees who may have difficulty obtaining individual life insurance outside of their employment. Employee supplemental term life insurance provides an additional layer of financial protection for employees and their families. The cost of this coverage is generally based on the employee's age, tobacco use, and the amount of coverage selected. It's important for employees to carefully consider their individual needs and assess whether supplemental term life insurance is a beneficial addition to their overall financial planning. Employers may offer this type of insurance as part of their benefits package to enhance the overall value of their employee benefits program and provide employees with more comprehensive coverage options.